东亚三国人寿保险公司效率比较研究
发布时间：2018-12-14 10:49
【摘要】：亚洲经济在世界经济发展过程中具有重要的推动作用，地处东亚的日本、韩国和中国作为亚洲经济的主体对世界经济具有巨大的影响作用。保险业作为经济支柱产业之一，是现代生活风险管理最基本、最重要的手段，在社会经济中扮演了非常重要的角色。日本、韩国和中国的保险业的发展经历了不同的阶段，但是总的看来处于相近的发展水平，研究三国保险公司的运行效率对于中国保险公司的发展具有十分重要的意义。 本文利用DEA效率评价体系对日本、韩国和中国各四家人寿保险公司的效率进行对比分析。通过CCR模型和BCC模型测算出各家公司的规模且技术效率和技术效率，SCRS模型测算了各家保险公司的超效率指标，使用这三个指标比较保险公司的运行效率。最后本文根据DEA模型的投影定理找到低效率的保险公司的优化途径。 本文的主要结论有：（1）韩国保险公司平均效率水平最高，日本保险公司平均效率最低，中国保险公司与韩国保险公司不存在明显差距。（2）中国保险公司之间的效率水平差别很大，中型保险公司效率水平提高很快。（3）韩国保险公司的超效率水平全面超过日本保险公司，相比之下具有明显优势。（4）日本保险公司的投入比相对有效面上的投入多很多，欲提高保险公司效率需从保险公司投入方面入手。 韩国、日本、中国保险公司的效率比较能够为中国保险公司的发展提供一些启示：（1）保险市场对国外保险公司开放无碍中国保险公司的发展。从本文的效率指标上看，中国保险公司的技术效率不低于国际化大型保险公司，并且相对一些老牌保险公司更为优秀，引入国外保险公司会对国内保险公司形成较大冲击的言论过于消极。（2）国内保险公司应适当走出国门，向国际化大型保险公司发展。国内大型保险公司的效率并不低于国外保险公司，当在国内保险市场发展受挫的情况下，可以积极进取海外保险市场，积极拓展海外保险业务。（3）控制运营成本，提高投资收益。与韩国保险公司相比，中国保险公司仍然存在较大的差距，中国保险公司应该努力减少劳动力成本和一般营运费用，同时设立专业资产管理机构进行投资业务，提高保险公司投资收益。（4）中小保险公司应该抓住机遇，迅速扩张。中国保险公司之间相比较，大型保险公司的技术效率并不优于中型保险公司，，中小型保险公司应利用已有资源，迅速扩张，积极与大型保险公司和外资保险公司竞争。
[Abstract]:Asian economy plays an important role in the development of world economy. Japan is located in East Asia. Korea and China, as the main body of Asian economy, have great influence on the world economy. As one of the pillar industries of economy, insurance industry is the most basic and important means of modern life risk management, which plays a very important role in social economy. The development of insurance industry in Japan, Korea and China has experienced different stages, but generally it is at a similar level of development. It is of great significance to study the operational efficiency of insurance companies in these three countries for the development of Chinese insurance companies. This paper compares the efficiency of four life insurance companies in Japan, Korea and China by using DEA efficiency evaluation system. The scale, technical efficiency and technical efficiency of each company are calculated by CCR model and BCC model. The super-efficiency index of insurance company is calculated by SCRS model, and the operation efficiency of insurance company is compared by using these three indexes. Finally, according to the projection theorem of DEA model, this paper finds the optimization way of low efficiency insurance company. The main conclusions of this paper are as follows: (1) the average efficiency of Korean insurance companies is the highest, and the average efficiency of Japanese insurance companies is the lowest. There is no obvious difference between Chinese insurance companies and Korean insurance companies. (2) the level of efficiency of Chinese insurance companies varies greatly. The level of efficiency of medium-sized insurance companies has increased rapidly. (3) the level of super-efficiency of Korean insurance companies is completely higher than that of Japanese insurance companies. (4) the investment of the Japanese insurance company is much more than that of the relative effective surface. To improve the efficiency of the insurance company, we should start with the investment of the insurance company. The efficiency comparison of Korean, Japanese and Chinese insurance companies can provide some enlightenment for the development of Chinese insurance companies: (1) the opening of the insurance market to foreign insurance companies will not hinder the development of Chinese insurance companies. Judging from the efficiency index of this paper, the technical efficiency of Chinese insurance companies is not lower than that of large international insurance companies, and it is better than some old insurance companies. It is too negative that the introduction of foreign insurance companies will make a big impact on the domestic insurance companies. (2) the domestic insurance companies should properly go abroad and develop to international large insurance companies. The efficiency of large domestic insurance companies is not lower than that of foreign insurance companies. When the development of the domestic insurance market is frustrated, they can actively forge ahead with the overseas insurance market and actively expand their overseas insurance business. (3) controlling operating costs. Raise the return on investment. Compared with Korean insurance companies, Chinese insurance companies still have a big gap. Chinese insurance companies should strive to reduce labor costs and general operating expenses, while setting up specialized asset management agencies to carry out investment business. Improve the investment income of insurance companies. (4) small and medium-sized insurance companies should seize the opportunity and expand rapidly. Compared with the Chinese insurance companies, the technical efficiency of the large insurance companies is not better than that of the medium-sized insurance companies. The small and medium-sized insurance companies should make use of the available resources, expand rapidly and actively compete with the large insurance companies and foreign insurance companies.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3
本文编号：2378482
[Abstract]:Asian economy plays an important role in the development of world economy. Japan is located in East Asia. Korea and China, as the main body of Asian economy, have great influence on the world economy. As one of the pillar industries of economy, insurance industry is the most basic and important means of modern life risk management, which plays a very important role in social economy. The development of insurance industry in Japan, Korea and China has experienced different stages, but generally it is at a similar level of development. It is of great significance to study the operational efficiency of insurance companies in these three countries for the development of Chinese insurance companies. This paper compares the efficiency of four life insurance companies in Japan, Korea and China by using DEA efficiency evaluation system. The scale, technical efficiency and technical efficiency of each company are calculated by CCR model and BCC model. The super-efficiency index of insurance company is calculated by SCRS model, and the operation efficiency of insurance company is compared by using these three indexes. Finally, according to the projection theorem of DEA model, this paper finds the optimization way of low efficiency insurance company. The main conclusions of this paper are as follows: (1) the average efficiency of Korean insurance companies is the highest, and the average efficiency of Japanese insurance companies is the lowest. There is no obvious difference between Chinese insurance companies and Korean insurance companies. (2) the level of efficiency of Chinese insurance companies varies greatly. The level of efficiency of medium-sized insurance companies has increased rapidly. (3) the level of super-efficiency of Korean insurance companies is completely higher than that of Japanese insurance companies. (4) the investment of the Japanese insurance company is much more than that of the relative effective surface. To improve the efficiency of the insurance company, we should start with the investment of the insurance company. The efficiency comparison of Korean, Japanese and Chinese insurance companies can provide some enlightenment for the development of Chinese insurance companies: (1) the opening of the insurance market to foreign insurance companies will not hinder the development of Chinese insurance companies. Judging from the efficiency index of this paper, the technical efficiency of Chinese insurance companies is not lower than that of large international insurance companies, and it is better than some old insurance companies. It is too negative that the introduction of foreign insurance companies will make a big impact on the domestic insurance companies. (2) the domestic insurance companies should properly go abroad and develop to international large insurance companies. The efficiency of large domestic insurance companies is not lower than that of foreign insurance companies. When the development of the domestic insurance market is frustrated, they can actively forge ahead with the overseas insurance market and actively expand their overseas insurance business. (3) controlling operating costs. Raise the return on investment. Compared with Korean insurance companies, Chinese insurance companies still have a big gap. Chinese insurance companies should strive to reduce labor costs and general operating expenses, while setting up specialized asset management agencies to carry out investment business. Improve the investment income of insurance companies. (4) small and medium-sized insurance companies should seize the opportunity and expand rapidly. Compared with the Chinese insurance companies, the technical efficiency of the large insurance companies is not better than that of the medium-sized insurance companies. The small and medium-sized insurance companies should make use of the available resources, expand rapidly and actively compete with the large insurance companies and foreign insurance companies.
【学位授予单位】：河北工业大学
【学位级别】：硕士
【学位授予年份】：2013
【分类号】：F842.3
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